Helzberg Diamonds Credit Card – Most credit applications will receive an instant decision / approval. All jewelry purchases eligible for 0% financing, with the length of the no-interest period dependent on the amount of your purchase.

Jared Galleria of Jewelry – “Apply for instant credit” is a prominent heading at this jewelry store’s Web site, so you know they are ready to give you credit. You can finance jewelry at a 0% rate for up to 18 months, depending on the size of your purchase. Note that you must pay off the balance completely within that promotional period or get socked with interest back-dated from the day of purchase at a rate as high as 26.99%.

Kay Jewelers Credit Card – Apply for this card and receive an approval decision “in about 60 seconds.” Interest rate of 26.99% if you don’t pay off your purchases within the promotional period.

Zales Credit Card – This jewelry credit card promotes an “Own It Today” message that suggests instant approval. Purchases over $150 can be financed at no interest (or low interest) if you pay the complete balance within the specified time period (otherwise they’ll hit you with a 29.99% interest rate).

JCPenney Credit Card – Apply for the JCPenney credit card and not only will you get instant approval, you can use the card today to get 20% off your jewelry purchases (and anything else you buy with the card). Note the high 26.99% interest rate.

Crown Jewelers Credit Card – “Instant online credit approvals” are promoted at this online jewelry store that sells traditional rings, bracelets, earrings, etc. Note that the interest rate on purchases is 21% and they make a point of saying bad credit is OK.

Gordon’s Jewelers Credit Card – “Own It Today” with this instant approval jewelry credit card. Get special financing on your jewelry purchase for up to 36 months depending on how much you spend. Be wary of its interest rate of 29.99% on everyday jewelry purchases, though.

The Jewelry Exchange – “Credit is immediately available upon approval.” Offers 0% interest on jewelry purchases of $500 or more provided you pay off the complete balance within 6 months. If you don’t pay in time you can expect to get charged all of the interest that would’ve accrued since the date of purchase, at a whopping 29.99% interest rate — so be careful.

Hurst Diamonds – Purchase jewelry at a 0% rate for up to 36 months (depending on size of purchase) with this instant approval credit card.